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Santander mortgage timeline

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Comments

  • JD12Ev
    JD12Ev Posts: 16 Forumite
    10 Posts
    JonMitchell said:
    Saw this thread and wonder if members here are still experiencing a slow response/long delay from Santander at the moment for underwriting approval?
    Yep! My application has been passed back and forth the underwriters 4 times, each time needed a new document.. im 5 weeks in since submitting application, and usually wait 4/5 days from submitting the document (which i send the same day the ask for it) to get an update that its been passed back to the underwritter.. then another 4/5 day wait to get an update. 

    My valuation was done 3 weeks ago and they were satisfied with the amount.. hoping for some news soon! X
  • JonMitchell
    JonMitchell Posts: 301 Forumite
    Ninth Anniversary 100 Posts Name Dropper
    edited 13 July 2021 at 8:17AM
    JD12Ev said:
    JonMitchell said:
    Saw this thread and wonder if members here are still experiencing a slow response/long delay from Santander at the moment for underwriting approval?
    Yep! My application has been passed back and forth the underwriters 4 times, each time needed a new document.. im 5 weeks in since submitting application, and usually wait 4/5 days from submitting the document (which i send the same day the ask for it) to get an update that its been passed back to the underwritter.. then another 4/5 day wait to get an update. 

    My valuation was done 3 weeks ago and they were satisfied with the amount.. hoping for some news soon! X
    All the best! May I find out if yours is a purchase/remortgage from another lender to Santander or?

    I am trying to remortgage and trying to find out who to go with....

  • strike4a
    strike4a Posts: 11 Forumite
    10 Posts Second Anniversary
    edited 13 July 2021 at 9:48AM
    Their underwriting process is painfully long and with no communication as to how it is progressing. We've finally had confirmation our application is approved, timeline (porting and borrowing more):

    Agreement in Principle/soft search - 26th May
    Application submitted - 28th May
    Additional payslips requested - 28th May
    Survey instructed - 3rd June
    Passed to underwriters - 4th June
    Hard search - 7th June
    Survey - 14th June
    Underwriters request more info - 14th June
    Passed back to underwriters - 16th June
    Soft/hard searches - 21st June
    Underwriters request more info - 23rd June
    Underwriters request more info - 2nd July
    Mortgage verbally approved via broker - 9th July
    Mortgage approved to broker via email - 12th July
  • JD12Ev
    JD12Ev Posts: 16 Forumite
    10 Posts
    JonMitchell said:
    JD12Ev said:
    JonMitchell said:
    Saw this thread and wonder if members here are still experiencing a slow response/long delay from Santander at the moment for underwriting approval?
    Yep! My application has been passed back and forth the underwriters 4 times, each time needed a new document.. im 5 weeks in since submitting application, and usually wait 4/5 days from submitting the document (which i send the same day the ask for it) to get an update that its been passed back to the underwritter.. then another 4/5 day wait to get an update. 

    My valuation was done 3 weeks ago and they were satisfied with the amount.. hoping for some news soon! X
    All the best! May I find out if yours is a purchase/remortgage from another lender to Santander or?

    I am trying to remortgage and trying to find out who to go with....

    Im a first time buyer, didnt think my case was that complicated.. just had an update its been passed back to the underwritter.. fingers crossed!! X
  • JD12Ev
    JD12Ev Posts: 16 Forumite
    10 Posts
    strike4a said:
    Their underwriting process is painfully long and with no communication as to how it is progressing. We've finally had confirmation our application is approved, timeline (porting and borrowing more):

    Agreement in Principle/soft search - 26th May
    Application submitted - 28th May
    Additional payslips requested - 28th May
    Survey instructed - 3rd June
    Passed to underwriters - 4th June
    Hard search - 7th June
    Survey - 14th June
    Underwriters request more info - 14th June
    Passed back to underwriters - 16th June
    Soft/hard searches - 21st June
    Underwriters request more info - 23rd June
    Underwriters request more info - 2nd July
    Mortgage verbally approved via broker - 9th July
    Mortgage approved to broker via email - 12th July
    A huge congratulations! I have been following your journey, its so lovely to see you've finally got your offer.

    I feel your frustration with the underwriters! Weve gone back and forth 4 times, once was because a letter from my employer was addressed to 'to whom it may concern' and not addressed to santander they wanted it rewritten.. frustrating! 

    You must be thrilled the wait is over! Hope the next stage goes smoothly for you :) x
  • JonMitchell
    JonMitchell Posts: 301 Forumite
    Ninth Anniversary 100 Posts Name Dropper
    edited 13 July 2021 at 11:09AM
    strike4a said:
    Their underwriting process is painfully long and with no communication as to how it is progressing. We've finally had confirmation our application is approved, timeline (porting and borrowing more):

    Agreement in Principle/soft search - 26th May
    Application submitted - 28th May
    Additional payslips requested - 28th May
    Survey instructed - 3rd June
    Passed to underwriters - 4th June
    Hard search - 7th June
    Survey - 14th June
    Underwriters request more info - 14th June
    Passed back to underwriters - 16th June
    Soft/hard searches - 21st June
    Underwriters request more info - 23rd June
    Underwriters request more info - 2nd July
    Mortgage verbally approved via broker - 9th July
    Mortgage approved to broker via email - 12th July
    Congrats!

    Just few questions:

    Payslips - how many payslips did Santander ended asking from you? I thought usually it is just 3 months for banks

    Was wondering if you would be able to share what other info they requested from you? It is alright if you prefer not to share if they are personal queries.

    Interestingly as I read through this post, there are few who have fast response/approval from Santander while the majority have a lagging slow response.....
  • mortgagehope
    mortgagehope Posts: 9 Forumite
    First Post
    JonMitchell said:
    Saw this thread and wonder if members here are still experiencing a slow response/long delay from Santander at the moment for underwriting approval?
    We're at 8 weeks and counting! 
  • strike4a
    strike4a Posts: 11 Forumite
    10 Posts Second Anniversary
    JonMitchell said:
    strike4a said:
    Their underwriting process is painfully long and with no communication as to how it is progressing. We've finally had confirmation our application is approved, timeline (porting and borrowing more):

    Agreement in Principle/soft search - 26th May
    Application submitted - 28th May
    Additional payslips requested - 28th May
    Survey instructed - 3rd June
    Passed to underwriters - 4th June
    Hard search - 7th June
    Survey - 14th June
    Underwriters request more info - 14th June
    Passed back to underwriters - 16th June
    Soft/hard searches - 21st June
    Underwriters request more info - 23rd June
    Underwriters request more info - 2nd July
    Mortgage verbally approved via broker - 9th July
    Mortgage approved to broker via email - 12th July
    Congrats!

    Just few questions:

    Payslips - how many payslips did Santander ended asking from you? I thought usually it is just 3 months for banks

    Was wondering if you would be able to share what other info they requested from you? It is alright if you prefer not to share if they are personal queries.

    Interestingly as I read through this post, there are few who have fast response/approval from Santander while the majority have a lagging slow response.....
    Initially asked for latest payslip then mortgage centre asked for last 3.

    Also asked for info ref BTL mortgages we have which are with Santander…

    Then queries about childcare costs and name discrepancies on some documents (wife’s maiden name appears in a few places).
  • JonMitchell
    JonMitchell Posts: 301 Forumite
    Ninth Anniversary 100 Posts Name Dropper
    strike4a said:
    JonMitchell said:
    strike4a said:
    Their underwriting process is painfully long and with no communication as to how it is progressing. We've finally had confirmation our application is approved, timeline (porting and borrowing more):

    Agreement in Principle/soft search - 26th May
    Application submitted - 28th May
    Additional payslips requested - 28th May
    Survey instructed - 3rd June
    Passed to underwriters - 4th June
    Hard search - 7th June
    Survey - 14th June
    Underwriters request more info - 14th June
    Passed back to underwriters - 16th June
    Soft/hard searches - 21st June
    Underwriters request more info - 23rd June
    Underwriters request more info - 2nd July
    Mortgage verbally approved via broker - 9th July
    Mortgage approved to broker via email - 12th July
    Congrats!

    Just few questions:

    Payslips - how many payslips did Santander ended asking from you? I thought usually it is just 3 months for banks

    Was wondering if you would be able to share what other info they requested from you? It is alright if you prefer not to share if they are personal queries.

    Interestingly as I read through this post, there are few who have fast response/approval from Santander while the majority have a lagging slow response.....
    Initially asked for latest payslip then mortgage centre asked for last 3.

    Also asked for info ref BTL mortgages we have which are with Santander…

    Then queries about childcare costs and name discrepancies on some documents (wife’s maiden name appears in a few places).
    Thanks! I bet you must be thrilled to have your mortgage all sorted! 
  • JonMitchell
    JonMitchell Posts: 301 Forumite
    Ninth Anniversary 100 Posts Name Dropper
    mortgagehope said:
    JonMitchell said:
    Saw this thread and wonder if members here are still experiencing a slow response/long delay from Santander at the moment for underwriting approval?
    We're at 8 weeks and counting! 
    So sorry to hear....hope it will be sorted out nicely for you soon!
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